Boiler room project is all i can say they cant even give me my account information!!! they also dont have naything on my file but hurass me about making payments!!! what the hell!!

Brian Huler from Creditors Interchange.  Wants me to take a message for my niece who he says owes him money.  Wants her attorney's information.  It is a scam.  She does not owe him anything.

this guy calls me, yawns very loudly on the answering machine then proceeds to burp and then leaves a message,. never said where he was from, so i dont know who this was.

I was contacted by Stephen Thomas who was nice and said they were waiting only one more day before taking this case to court and filing judgement liens and such. He was polite until I asked if he could validate the debt and if he bought the debt from a write off. He said the Co. sold it to them and then made a way high offer to settle. I said too high, Co. offered 1/4 that. He said no way and forwarded call to Steven Miller (tough guy)I asked him to validate debt, he came unglued, screamed that he was proceeding to court. The conversation was ending and the bill was racking up higher as we spoke. The next day the nice guy called me back. He asked to speak with me. Iasked him if he remembered talking to me Sat. He said he didn't recall.Yhen I asked him why He said the debt was sold to them and the "screaming tough guy" said it was the Co.'s debt and they were the "collectors" for the Co. Bottom line it's a third party debt, an agency who bought debt pennies on the $, and is looking to pick what's left off the bones of a carcass. Told them they could meet me in BK court! There is a line of course...

Just left me a voicemail saying she needed some guys social security and it was serious, but when she left a voicemail she obviously heard my voice and knew it was a girl, not Hung Lee

THEY CALLED RIGHT KNOW NO PICK AS 8003 AND IM NOT GOING TO PAY THEM ...THEY COULD CHRGE OFF WHAT EVER I OWE.

Called me at 6:45 am on President's day. No message left. Hope they call back, I'd love to speak to a supervisor.

This is Creditor Exchange collection agency calling on behalf of HSBC. The message was left by a Richard Malcom at 877-770-6339. Made threats that the law prohibits, so I would advise you never repsond to these thugs.

Left message on voicemail saying its an important matter, no details given. Seems like another scam to me.

I  got a call from Brian Howard in the Procurement Office too.  Made it sound like they were about to sue me, kept saying they wouldn't accept partial payments, and kept asking if I could borrow the amount they wanted from someone.  What an a**.

I recieve multiple phone calls from them everyday and I let it go to voicemail everytime. I have saved messages that imply legal proceedings and calling my payroll/human resources dept. I have not recieved any legal papers or written documentation from this company and will not respond to them until I do.

Keep getting phone message looking for someone named Tim.  No such person lives at this number.  I've had the same number for over 20 years.  They always call during the day when no one is home and leave "urgent" messages. 10-15 messages a day between 9am and 5pm.  Can't they get their facts straight before harrasing people?  At least check to make sure you have the correct phone number.

they call every couple of weeks, usually with a different name and reason for calling, At first I answered, told them I had no idea what they were talking about. They continue to call,just change who they say they are. Luckily, I have a panasonic cordless phone which lets you add numbers to a 'block' list, won't even ring, they get a fast busy signal. Works better than the phone co since it lets me block 800-numbers too.

Debt Collectors - Chase Bank.  A***ole BRIAN called with his Brain stuck up in his a**.Wanted Money- What money? All my money was given by Government to (TARP) help Bank of America, Chase, Citi etc. I am not paying a penny.

I wanted to give everyone here some valuable info.

NEVER agree to payment plans! This is how they milk you with fees. Just like most bankruptcies people never make all  the payments. Then they just keep adding interest and penalties and you have stressed out your life for nothing. If you have an old debt and you pay anything on it you make it a BRAND NEW COLLECTION ACCOUNT again on your credit.

Who am I? I am a real estate broker that knows credit like the back of my hand and collection practices. For the letters you have to send a SPECIFIC form called a CEASE and DESIST LETTER.

After you send this they cannot contact you by phone anymore or any of your family,friends,etc. If you are going to pay a debt only pay when you have all the money. Example balance on collection account is 700.00. You call and they will settle for 400.00. You say I can only pay 250.00 will you accept??

If they do tell them they will have to put in writing that this settlement will make the debt be considered paid in full and closed out. Some sneaky collection companies act like your payment will settle the debt and then they sell the remaining balance off to another collection company and the process starts again.So if you don't get the letter in writing don't give them one cent. Never give them access to your checking account or credit card info EVER.

If they still call after you send the cease and desist they will be fined heavily by the FCC. They always want to call and harass people as it's cheaper to get the money and has more of a success rate than mailing.

Another tactic is to say in collections that the account will be ELEVATED to an attorney. While this is TRUE the premise is false. The attorney is nothing more than a glorified bill collector. They will threaten to file a judgement against you but will spend a little money to file the papers but nothing else. This usually scares enough people into paying. If they go so far as to obtain judgement then they can pursue a seperate action called a bank levy (deducting your checking account) or wage garnishment(they can only deduct by federal law a certain amount usually 25 percent of your paycheck each period)

If they levy your bank account it is illegal for them to take social security funds etc. as those are protected.

If you have a lot of collectors and big amounts the best is to file bankruptcy and wipe it out in a chapter 7. You would have to file chapter 13 if you were protecting your house and wanted to keep other assets etc.

The downside to a chapter 13 is most never finish the 3 to 5 year repayment plan and your credit stays bad the whole time and your life is stressed.

A 7 it's done and you can get on with your life and start rebuilding credit immediately.

hope it helps-no legal advice

So they are still calling me, apparently 2 to 3 weeks ago I was suppose to be getting charges pressed against me by noon. it's been almost a month they started calling again and leaving voicemails saying "We are waiting in Oakland County to press charges against you please call us". I filed a complaint with the Michigan Attorney General already, now time to hit up new york.

I owe Chase yes I admit it, but I had several things come up and I just broke my foot and had a car accident within the last time I spoke to them. This is bullspit, I am willing to make payments again not pay an entire thing at once.

IMO, I think they make so much money they don't care fines. They scare people who don't know about this and collect big money off them and then get paid by Chase or whomever too.

Got a call from some chick trying to act all legal.  Said that I needed to call her today.  Dont know who they are and dont give a s***.

called today 10/27 at 3pm left message stating they had found me in 'their' government data base as being the father of xxx (my 25 yr old son) and asking me to contact him immediately before further legal actions were taken. She identified herself as a Senior representative for Bank of America in the [garbled] department. I haven't spoken to my son for a couple of years, he's just returned from Afghanistan and living in another state.

Have recieved about 5 calls from this number. Left messages for an "Edward" stating this is an urgent matter and to call back immediately with case # blah blah blah. I figured it was a credit agency just by the message. I don't know anyone named Edward though and thought about calling them back to let them know that the number they had was incorrect, but after reading all this I think I might just continue ignoring them as I have been doing. Too bad they're wasting my cell phone mintues with their calls though...

I received a call from a man today with this phone number claiming he was calling on behalf of Timothy. He asked if I kenw how to reach him I said "no, I do not know what that is." He then proceeded to tell meye sI do this was his parents phone number he called and I again had to explain to him it was not I have no idea who that is I am a mother of a 1 year old I have no other children. He then said ok and hung up.

Just the fact that this woman stated "court papers have been filed against you", before even confirming that you were NOT the party she was after is not only FALSE, but a BLATANT violation of FDCPA laws:

§ 807.  False or misleading representations  [15 USC 1962e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or  

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

http://www.creditinfocenter.com/legal/FDCPA.shtml#807

These nitwits have already been called to task for their DECEPTIVE debt collection practices by NY AG Andrew Cuomo:

ALBANY, N.Y. (June 2, 2009) - Attorney General Andrew M. Cuomo today announced that his office has reached an agreement with three New York debt collection companies that failed to adequately supervise employees who engaged in deceptive and fraudulent methods to collect debts.

The three companies, Creditors Interchange Receivable Management, LLC, Capital Management Services, LP and Tri-Financial, LLC, have agreed to substantially reform their business practices in order to be in full compliance with the Federal Fair Debt Collection Practices Act and New York?s Debt Collection Procedures Act. The companies, which are based in Western New York but do business across the country, are also paying $245,000 to the state in penalties and costs.

?We will continue to investigate the myriad deceptive practices that debt collection companies, debt settlement companies and others employ as a means to exploit consumers who are already down on their luck,? said Attorney General Cuomo. ?These three companies have agreed to immediately stop these practices and reform their policies to ensure their collectors comply with both state and federal law. I call on other companies engaged in the business of debt to do the same.?

According to complaints received by the Attorney General?s Office, collectors at the three companies employed fraudulent tactics in an attempt to collect debts, including:

Contacting alleged debtors without a lawful justification for doing so and even after being asked in writing to cease all communication
Contacting consumers at their places of employment even though the collectors were aware that such contact was prohibited by the consumers? employers
Discussing consumers? debts with third parties (i.e. employers, neighbors, etc.), and doing so even after the third party told the company to cease such communications
Falsely claiming that the company was acting on behalf of an attorney and that the company or a creditor was about to commence legal action against the consumer
Failing to respond to consumers requests for debt verification
Under separate settlements with Attorney General Cuomo?s Office, the three companies have agreed to enhance their compliance protocols and make it easier for consumers to file complaints against individual collectors. All three companies must create a direct link on their respective Web sites to consumer complaint forms. The companies must also maintain an employee disciplinary history database, as well as a comprehensive database of all complaints made by consumers or third parties who were wrongly contacted by collectors.

For the violations, each company must pay penalties and costs to the state.

Tactics prohibited by both the federal Fair Debt Collection Practices Act, the New York State debt collection and consumer protection laws include: posing as an attorney, threatening lawsuits or other legal action which cannot be taken, saying a consumer committed a crime or will be arrested and talking with third parties except to get location information. The law further requires collection agencies to send a written notice within five days of initial communication with the consumer explaining how he or she can dispute the debt. If properly disputed, the collection agency must stop all collection attempts and send verification.

The settlements announced today are part of a larger investigation by Attorney General Cuomo into unlawful debt collection practices. Last week, Attorney General Cuomo subpoenaed nearly twenty companies and law firms operating as debt collectors throughout the state. His office also shut down two collectors for threatening and intimidating consumers into paying debts that they did not owe. In early May, Attorney General Cuomo announced a lawsuit against two debt settlement companies for fraudulent business practices and false advertising by selling misleading debt settlement plans that very rarely deliver the promised benefits to consumers dealing with debt.

Cuomo also launched a website - www.NYDebtHelp.com - that explains consumer rights, allows victims of debt settlement companies quick access to the Attorney General?s office to file complaints, and outlines the stages of the Attorney General?s investigation. These three cases were handled by Assistant Attorney General Dennis Rosen and Senior Consumer Frauds Representative Karen Davis under the supervision of Deputy Attorney General for Regional Affairs David Sampson and Assistant Attorney General in Charge of the Buffalo Regional Office Russell Ippolito.

http://www.oag.state.ny.us/media_center/2009/june/june2a_09.html

"Reform"? Ha! That's a laugh!

They have NO intention of "reforming".

Maybe a few THOUSAND more complaints will convince Cuomo that it is going to take more than a paltry $245,000.00 fine to make them BEHAVE.

File yours at: www.NYDebtHelp.com

A woman called (on my cell #) telling me that court papers were filed against me for collections on a Bank of America account that was opened in 2004 that I had not paid on since July 2009.  I told her that was incorrect that I have only one c/c and I pay the balance in full each month. She then rattled off what was supposed to be my ss# which was incorrect (thank god)and when I told her it was wrong she wanted to confirm my name which the last name she used was my maiden name (which changed over a year ago)she quickly apologized and hung up. One day later I receive a call from my Dad saying he had a message on his cell phone from a collection agency looking for me.  They must have hit every cell# on my family plan!!  Not happy!!

So more of the same from these guys, I woke up this morning to my mother in tears. I am 24 years old, I fell behind on my chase account because I got a DUI and all my money to keeping me out of jail. The last 3 months I've spent all my money catching my bills backup and helping my father pay rent because he lost hours at his job like I did. This woman calls me today and tells me that because I setup a payment arrangement with Chase, the withdrawls are the same as bad checks. I am apparently going to be prosecuted for 11,000 in bad checks. She demands 3,104.00 by 10am. It's 945am. I tell her, I am broke, I went from 45 hours a week to 22. I make 200 dollars a week now and have to pay immediate expenses like car payments. I am willing to make payments again of 50 a month to get things back on track, but it's not good enough.

This woman tells me... You are going to jail if you don't come up with 2,500.00 by noon. She dropped it to 1500.00 by noon. She knows every single car I've ever owned, the thing is me and my father have the same name. So she has his information too, she threatened to take my car. I own a 1995 Eagle Talon worth 500.00. These people are complete jack***es. I'm about to tell her I talked to my attorney, which I did. he told me make a good faith gesture or tell them I gave him my 500.00 to defend me against these charges.

After reading this I'm gonna send him the link and see what he can do.

ATTORNEY GENERAL CUOMO ANNOUNCES REFORM DEAL WITH THREE NY DEBT COLLECTION COMPANIES OVER DECEPTIVE TECHNIQUES

Companies to pay $245,000 to state for violating state and federal debt collection laws, must provide easily accessible consumer complaint forms through company Web sites
~
Latest action in Cuomo's ongoing probe into unlawful debt collection and settlement practices


ALBANY, N.Y. (June 2, 2009) - Attorney General Andrew M. Cuomo today announced that his office has reached an agreement with three New York debt collection companies that failed to adequately supervise employees who engaged in deceptive and fraudulent methods to collect debts.

The three companies, Creditors Interchange Receivable Management, LLC, Capital Management Services, LP and Tri-Financial, LLC, have agreed to substantially reform their business practices in order to be in full compliance with the Federal Fair Debt Collection Practices Act and New York?s Debt Collection Procedures Act. The companies, which are based in Western New York but do business across the country, are also paying $245,000 to the state in penalties and costs.

?We will continue to investigate the myriad deceptive practices that debt collection companies, debt settlement companies and others employ as a means to exploit consumers who are already down on their luck,? said Attorney General Cuomo. ?These three companies have agreed to immediately stop these practices and reform their policies to ensure their collectors comply with both state and federal law. I call on other companies engaged in the business of debt to do the same.?

According to complaints received by the Attorney General?s Office, collectors at the three companies employed fraudulent tactics in an attempt to collect debts, including:

Contacting alleged debtors without a lawful justification for doing so and even after being asked in writing to cease all communication
Contacting consumers at their places of employment even though the collectors were aware that such contact was prohibited by the consumers? employers
Discussing consumers? debts with third parties (i.e. employers, neighbors, etc.), and doing so even after the third party told the company to cease such communications
Falsely claiming that the company was acting on behalf of an attorney and that the company or a creditor was about to commence legal action against the consumer
Failing to respond to consumers requests for debt verification
Under separate settlements with Attorney General Cuomo?s Office, the three companies have agreed to enhance their compliance protocols and make it easier for consumers to file complaints against individual collectors. All three companies must create a direct link on their respective Web sites to consumer complaint forms. The companies must also maintain an employee disciplinary history database, as well as a comprehensive database of all complaints made by consumers or third parties who were wrongly contacted by collectors.

For the violations, each company must pay penalties and costs to the state.

Tactics prohibited by both the federal Fair Debt Collection Practices Act, the New York State debt collection and consumer protection laws include: posing as an attorney, threatening lawsuits or other legal action which cannot be taken, saying a consumer committed a crime or will be arrested and talking with third parties except to get location information. The law further requires collection agencies to send a written notice within five days of initial communication with the consumer explaining how he or she can dispute the debt. If properly disputed, the collection agency must stop all collection attempts and send verification.

The settlements announced today are part of a larger investigation by Attorney General Cuomo into unlawful debt collection practices. Last week, Attorney General Cuomo subpoenaed nearly twenty companies and law firms operating as debt collectors throughout the state. His office also shut down two collectors for threatening and intimidating consumers into paying debts that they did not owe. In early May, Attorney General Cuomo announced a lawsuit against two debt settlement companies for fraudulent business practices and false advertising by selling misleading debt settlement plans that very rarely deliver the promised benefits to consumers dealing with debt.

Cuomo also launched a website - www.NYDebtHelp.com - that explains consumer rights, allows victims of debt settlement companies quick access to the Attorney General?s office to file complaints, and outlines the stages of the Attorney General?s investigation. These three cases were handled by Assistant Attorney General Dennis Rosen and Senior Consumer Frauds Representative Karen Davis under the supervision of Deputy Attorney General for Regional Affairs David Sampson and Assistant Attorney General in Charge of the Buffalo Regional Office Russell Ippolito.

http://www.oag.state.ny.us/media_center/2009/june/june2a_09.html

got a call yesterday from a guy who identified himself as Ron Surzinsky of CI. He went on to say that I needed to call him right away as I am being investigated for theft of services. He got my name from Chase bank. Then he called my mother and told her the same. I called his supervisr, someone named Christy Lynn and she told me that is not the way they do business, but when I told her that Ron had called my mother, she asked what the number was and proceeded to tell me he thought he was calling my place of work. I asked her if calling someone's job and leaving that kind of message was standard practice and she realized what she said, gulped and said no.

Call for an individual with same last name as mine from 800-693-3455.  Did not identify himself or the bank he represented.  Got my name from phone book and when I tried to tell him we had no business together, he started on spiel about ???....  I hung up.  We had no business together.  Is there anyway people can protect themselves from calls like this????

They said they were going to "pay me a visit" if I didn't pay them (or at least pay part of what they think I owe).  Strong-arm collectors, like the Mafia.

Creditors Interchange Receivable Management
80 Holtz Dr      Airborne Business Pk.,
Cheektowaga, NY 14225-1470
Phone: 716-614-7500  
Fax: 716-614-7546
also known as "The Benchmark Group"
Web Address: www.creditorsinterchange.com  

CONSUMER ALERT

BEWARE of scam - Interchange Collectors call, posing as "Senior Prosecutors from State Agencies threatening immediate legal action.
  Other Offices:
Appletree Business Park Ste 9
2875 Union Rd
Cheektowaga, NY 14227-1465
Fax: (716) 614-7546

8550 Erie Rd
Angola, NY 14006-9612
Phone: (800) 693-3455
Fax: (716) 614-7611

2700 W. Cypress Rd Ste 100
Ft Lauderdale, FL 33319
Phone: (800) 963-3455
Fax: (716) 614-7611


23355 Mercantile Rd., Suite 9000 A
Beachwood, OH 44122
Fax: (216) 464-0600
866-513-9468




--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

Creditor's Interchange is located in Buffalo, NY,  and they have a large collection operation across the river in Canada where the wages and worker benefits are even smaller.

VERY aggressive debt collectors who lie, threaten and do any illegal act imaginable to separate you from your money. These are nasty, desperate conmen,  and should NEVER be trusted. They have posed as bankers, lawyers and other professionals to scare consumers into believing something bad would happen, if monies were not immediately forthcoming.

In reality, these low-lives of the collection industry are nothing but a fraud! Any debt collector from Buffalo, New York is desperate, however Creditors Interchange apparently is hiring the WORST of the WORST! Stay far away -- they are desperate and dangerous.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.

I know everytime when a "black" person is on the other end. Wake up, its life!

To all:

I am a former debt collector. They will try every trick in the book to get you to pay. They buy the debt from comapnies (Lowes, Best Buy etc) for pennies on the dollar. If they get you to pay anything, it's a victory. Be warned, paying them does not make the credit taken care of. We were paid on commission and we would try anything at all to get you to pay money. We would get 1-3 cents on anything paid. It actually adds up over a day. If you are in process of filing bankruptcy let them know. It is also very important that you record every conversation